Family run Business -

We're not a bank – we work to maximise your bottom line, a Family Business that working for you.

A Mortgage Broker should be there to assist you in finding the type of loan that suits your situation now and that will adapt to meet your requirements and needs into the future. Instead of you personally making lots of phone calls or trying to visit banks, only to find that the home loan person is out, the broker does the work for you. Each financial institution offers a range of products you can use, a broker has the ability to compare the range of products, to help you refine your options. An accredited mortgage broker will assist you through the whole process and continue well after your loan has settled, to ensure that you are given the support you require now and in the future.

The broker helps to reduce your payments and the banks profits, thus allowing you to build equity in your home faster.

The broker is your ‘one stop shop’ who will:

• ensures you fully understand the various components of each lender's products

• work out how much you can borrow

• compare the loan products, fees, explain its features and limitations, give its true cost and benefits for you,

• then assist you in gathering what the banks financial institutions require,

• submitting your loan electronically and track its progress

• following the whole process through to settlement and beyond.

Ensure you find and choose the right broker for you, because not all brokers are the same. While using a mortgage broker can result in substantial savings in time and money for borrowers, choosing the right mortgage broker is the key, so call a Hall Mortgage Consultant.

    Finding the right Broker

A good broker knows the requirements of each lender and can keeps you informed on the progress of your loan application, reliving stress, time and frustration. Ensure your broker is, as all Hall Mortgage Consultants are:

• A Full time Mortgage Professional

• A Member of a Financial Institution such as the Mortgage and Finance Association of Australia (MFAA)

• Has the ability to compare loan products from a variety of lenders

• Be able to demonstrate their recommendation clearly, explaining their criteria and logic to meets your needs and requirements

• Is transparent in disclosing fees and commissions

• Is free of charge for your home loan

• Has access to and accreditations with a variety of lenders, NOT selling or pushing their own loan products

• Can submit you loan electronically to speed up the process

• Is covered by professional indemnity insurance

• Comply with the Privacy Act to ensure the security of your personal and financial details

• Is here to support you and your requirements, from the start of the loan and through out the life of the loan. .

Hall Mortgage Consultants, are here for the long term and are dedicated to supporting your individual needs and objectives.

Who we use is your choice.

Hall Mortgage Consultants don’t sell their own home loans, therefore you get unbiased information. There is no cost for our help in securing your home loan, as the banks pay us out of there margin. We assist you, to choose the product and financial institution that suits you now and will grow with you in the future. HMC has a panel of over 20+ different lenders, all offering a diverse range of products, and can assist in you comparing the advantages for you.

Who we use is your choice - Residential Loans and Business Equipment & Car Leasing.

Helping you choose the right loan.

Today in Australia there are many different home loan products, on the market from a large panel of financial institutions. All offering many different features, fees and rates and competitions is fierce. Using a mortgage broker is now an essential part of scouring the market, for the right home loan. Below, are some of the different types of loans that are on offer and a Hall Mortgage Consultant can help you to choose the right home loan product that best suits you.

The Loan that suits me :

I am buying my first home

I am looking at using equity in a family members property

I want to invest in property

I wish to build a new home

I am self employed

I want to refinance my home

I want to renovate my home

I am selling and buying a new home

I have had trouble with debt and need help with a home loan.

Equipment Leasing / Car Leasing for my business

Asset finance is generally aimed at self-employed ABN clients, small business owners, and contractors. We have a selection of lenders on our panel, who provide specialist services and packages for leasing of equipment, for your business. This allows us to provide finance options for a range of income generating plant and equipment such as: motor vehicles, construction, manufacturing, industrial plant, winery equipment, mining, printing, electronic & computer systems, agricultural and farm machinery.

A Chattel Mortgage is a common a lease agreement between you (the borrower) and financier (the lender) for an agreed period. It can be used to finance the purchase of most business assets. The full cost of the goods, does not have to be financed. You can use trade-in equity or deposit to reduce the amount financed. At the end of the agreed period a Balloon Payment may remain, or facility can be structured, so there is no Balloon Payment. The Balloon Payment must be in accordance with ATO lending guidelines.

A Commercial Hire Purchase is a hire agreement between you (the hirer) and the financier for an agreed period. It can be used to finance the purchase of most business assets. The full cost of the goods does not have to be financed. You can use trade-in equity or deposit to reduce the amount financed. At the end of the agreed period a Balloon Payment may remain, or facility can be structured so there is no Balloon Payment. The Balloon Payment must be in accordance with lending guidelines.

A Finance Lease is a rental agreement between you (the lessee) and financier (the lessor) for an agreed period. It can be used to finance the purchase of most business assets. The full cost of the goods must be financed. You cannot use any trade-in equity or deposit to reduce the amount leased. At the end of the agreed period a Residual Value remains. The Residual Value must be in accordance with taxation and lending guidelines.

A Rental Agreement is between you (the lessee) and financier (the lessor) for an agreed period. It allows the lessee to gain use of most business assets without purchasing the goods. The full cost of the goods must be rented. You cannot use any trade-in equity or deposit to reduce the amount rented. At the end of the agreed period you must return the goods to us.

Our Hall Mortgage Consultants ensure you will receive high quality service and a finance solution structured to your requirements and objectives.

Commercial Loans / Business Loans

Hall Mortgage Consultants have been providing business and commercial loans for a number of years. We have specialist lenders on our panel, so no matter what your need is, we can accommodate - it may be: commercial property, commercial development, business finance secured by both residential and commercial properties, rural and agricultural land and equipment purchases.

Our Hall Mortgage Consultants can assist with your enquiry.
Commercial loan products have become extremely competitive in recent times. Many institutions now offer retail interest rates for some commercial transactions. Others support certain industry sectors and are willing to look very favourably at these niche markets. Business packages now allow small business owners to use their residential security for both business and personal lending needs at a home loan rate. These packages can provide a global limit, that can be split into sub accounts, such as a home loan, a loan for the business and an everyday overdraft account.
We have had some great success in sourcing competitive commercial loan packages and our Hall Mortgage Consultants would be pleased to assist you.